The standard fixed-rate mortgage is the most prevalent form of lending choice, with monthly principle and interest payments that never fluctuate during the loan’s duration. They are commonly amortized and fixed for 15-year or 30-year terms. Borrowers can also select their own custom term. Because the length of the fixed period can have a significant impact on your cashflow, it is critical to carefully consider your options before deciding on the term length.

Hybrid adjustable-rate mortgages combine the benefits of both fixed-rate and adjustable-rate mortgages. These loans have a fixed interest rate for a specified length of time before modifying and are typically used to secure a cheaper interest rate than a long-term fixed rate program, boosting cash flow and spending power. 

Reverse mortgages allow senior homeowners (55+ in CA) to convert a portion of their home equity into cash while still living in the home. These loan programs have been significantly improved upon over the past ten years. They are now regulated very closely and often recommended by Financial Advisors and Estate Planners becoming a strategic tool for passing on wealth and allowing homeowners to age in place.

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement.

Variety of loan options utilizing alternative income methods:
Bank Statement Loans
DSCR Investment Loans
Asset Depletion Loans
Pledged Assets
Cross-Collateralization